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Car Insurance in The Woodlands
Like the rest of Texas, drivers in The Woodlands are required to carry a minimum amount of insurance for each vehicle the person or business owns. The minimum Texas auto insurance liability limits are $30,000 per person, $60,000 per occurrence for Bodily Injury (BI), and $25,000 for property damage (PD).
Car Insurance Rates in The Woodlands
Drivers can choose the minimum or maximum amount of coverage or anything in between. Some simple liability policies will only pay a certain amount of money to someone that you have an accident with but will pay nothing towards your damages. Other more comprehensive policies pay for damages to both you and the other person, including medical payments and personal injury protection.
It’s important to choose the right policy for you. Without the right coverage, an accident could cause you to lose everything that you have, including future earnings, to pay damages, if you are found at fault. Talk to a Texan Insurance Agent to build the perfect policy for you and your family.
Your car is probably your second greatest investment you have, and your passengers is surely your greatest priority. Ensuring they both are protected with car insurance is key to being a smart car owner. Ensuring that you are fully covered for all possible occurrences is essential to your peace of mind. Here are a few things to consider when determining your car insurance.
What Does Your Homeowners Policy Cover?
| Most policies cover: | Most policies don’t cover: |
|---|---|
| Damage to your car because of fire, hail, theft, flood, flying gravel, or hitting an animal (if you have comprehensive coverage). | Accidents that happen while you’re driving for a ride-hailing service or delivering food or other items for a fee. |
| Accidents that happen while you or someone covered by your policy is driving a rental car. | car. Accidents that happen while you’re driving a car that doesn’t belong to you but you could use regularly, like a company-owned car. |
| Accidents that happen while you’re driving in other states and Canada. | Equipment not permanently installed in your car. |
| Your attorneys’ fees if you’re sued because of an accident. | Accidents that happen while you’re driving in Mexico, driving for business, or racing. |
| Car repair, lost wages, and medical and funeral bills to the other driver and passengers if you cause an accident | Damages that you caused intentionally |
Understanding premiums
There are several different factors that insurance companies use to decide whether to sell you a policy and how much to charge you. The amount you pay for insurance is called a premium.
Most companies consider these things when deciding your auto insurance premium:
- Age: Men under 25 and women under 21 usually have the highest rates. Rates go down as people reach middle age, but they go up again after age 70.
- Driving record and claims history: Insurance companies will charge you more if you’ve had accidents or gotten tickets. Some companies might refuse to sell you a policy.
- Car Location: Rates are higher if you live in a city. This is because people in cities are more likely to have accidents or have their cars stolen than people in rural areas. Rates can also vary between ZIP codes in the same city.
- Car Make & Model: Collision and comprehensive rates are highest for luxury, high-performance, and sports cars. Rates are also higher for cars that cost more to repair.
- How you use your car: Your rates will be higher if you drive your car to and from work or use it for business.
- Credit score: Some companies use your credit score to decide what to charge you. To find out which companies use credit scores. Texas is one of the top states where credit affects car insurance rates the most.
- Claims history: Most companies use the Comprehensive Loss Underwriting Exchange (CLUE) to learn your claims history. A company can charge you more or refuse to sell you a policy based on the information in your CLUE report. You can get a free copy of your report each year here.
Rental cars
Rental agencies offer damage waivers and liability policies. The damage waiver is NOT insurance. It’s an agreement that the rental agency won’t charge you for damage to a car you rent.
You probably don’t need the rental agency’s liability policy. Your auto policy will usually cover you while you’re driving a rental car for personal use. However, it probably won’t cover you if you’re driving the rental car for work.
Before you rent a car, call a Texan Insurance Agent to see whether you need the rental agency’s liability policy and damage waiver.
Borrowed cars
If you cause an accident while driving a borrowed car, the car owner’s insurance pays claims. If the owner doesn’t have insurance or doesn’t have enough to pay for the damages and injuries you caused, your insurance will pay.If you don’t own a car, but borrow a car often, you can buy a non-owner liability policy that pays for damages and injuries you cause to other people while driving a borrowed car. It doesn’t pay for your injuries or damage to the car you’re driving.
If you borrow a car from a repair shop, your liability insurance will pay for damages to the car. It will also pay for other people’s injuries and damages if you’re at fault in an accident. Ask a Texan Insurance Agent about your liability limits to make sure they’re enough to pay for the damages
Saving Money on Your Insurance
Every company offers their own discounts to help lower your premium. You might be able to get a discount if you have:
- antilock brakes and antitheft devices in your car.
- completed a defensive driving or a driver education course.
- more than one car on a policy.
- other policies with the same insurance company.
- no claims and a good driving record.
Some insurance providers do not list their entire list of discounts very well, so the list below details a few of the more well known and the harder-to-find insurance savings.
- The Woodlands Homeowners Discount – Owning a home in The Woodlands can help you save on insurance since homeownership shows financial diligence.
- Passive Restraint Discount – Vehicles equipped with airbags can get savings of up to 30%.
- Onboard Data Collection – People who allow driving devices to be installed on their vehicles to collect data on their driving practices such as In-Drive from State Farm or Allstate’s Drivewise system could receive up to a 30% discount, as long as they are good drivers.
- Smart Student Discounts – You could save 20% or more on your teen driver if they are a good student. This discount can be applied up until they’re age 25.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance from them.
- New Car Discount – Insuring a vehicle that is new is cheaper because new model year vehicles keep occupants safer.
Talk to a Texan Insurance Agent to see all the discounts you and your family qualify for.
Learn more ways to save money by reading 6 Tips to Save Money On Car Insurance.
Important Questions to Ask
Choosing the best insurer should depend on more than just the premium amount or discounts. Here are some questions to ask before choosing your policy:
- How will an accident affect your rates?
- Which insurance companies are they affiliated with?
- Does their agency support local causes in The Woodlands?
- Does the agent help file claims?
- Do they receive special compensation for putting your coverage with one company over another?
- Are there any discounts that you might be missing?
- Can they help ensure a fair claim settlement?
When to Talk To Texan
Always remember that car insurance is not one size fits all. Everyone’s needs are different and your insurance should be unique as well. These are some specific questions that might need professional guidance from a Texan Insurance Agent to answer.
- Does having multiple vehicles earn me a discount?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Should I have a commercial auto policy?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- How much liability coverage do I need in Texas?
- Am I covered if I hit my neighbor’s mailbox?
We want to protect what matters most to you.
Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.
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